Compare Petplan & Pumpkin pet insurance

Pumpkin is new to pet insurance. And it shows.

Two puppies with a thought bubble of a bone

When it comes to our experience vs. Pumpkin’s, it’s no contest.

Petplan has been working exclusively in the pet industry for over fifteen years and protects over 250,000 pets. With only a few months of experience, Pumpkin’s pet insurance coverage will leave you feeling rotten.

Unlike Pumpkin, Petplan’s extras don’t cost extra, including:


The complete sick visit, including exam fees–saving you on average $50-$250 per appointment. Pumpkin doesn’t cover all of this.


Up to $1,000 in VirtualVet visits (video chat, call or text). Pumpkin can’t offer you this.


Up to $1,000 in boarding fees should you require hospitalization for 4 days or more. Pumpkin definitely doesn’t do that. 

Why Petplan is better than Pumpkin

Policy Details

Age limits

6 weeks and up

8 weeks and up

Enrollment fee



Curable exclusionary period

12 months



Sick visit exam fees

Online vet visits


Periodontal disease

Alternative & homeopathic therapies

Customer Service

Live chat available

Dedicated app

Information last updated November 2020.

Pumpkin doesn’t think pet health includes dental health.


Petplan protects all of your pet’s teeth (every adult tooth—not just the canines) from accidents, illnesses, injuries and diseases, with no broad condition exclusions.


Pumpkin’s limited coverage does not cover endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants, or root canals.

Almost a third (20-27%) of canine patients have fractured teeth, and in cats, resorptive lesions can be as high as 68% prevalence—these would go unprotected if you choose Pumpkin.1

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Cat brushing its teeth
Dog with drawing of hip bones

While you're waiting for Pumpkin to reply, we're here for you.


You can’t predict when your pet will need care, which is why Petplan is always available. Between our app, live chat and agents, you’ll get you the help you need seven days a week.


Pumpkin is only available Monday through Friday 8 a.m. to 8 p.m. EST. They also don’t offer live chat and you could get stuck waiting for them to respond to your email – time that your pet might not have.

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Our app makes it easy to submit claims and get paid fast. Pumpkin doesn’t have an app.

Snap photos of your documents, send them to us and we’ll do the rest. If you need help, get it 24/7 from our helpful chatbot Leo.


Submitting a claim is a chore with Pumpkin. You have to scan the paperwork, email them and wait.

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Kitten with glasses
Dog with bandage and stethoscope

Your plan options are limited with Pumpkin.


With Petplan, you can choose your deductible, co-pay and maximum annual payout. This gives you the freedom to customize a price that fits with your budget.


Pumpkin forces you into pricing that works for them. They only give you three deductible choices: $100, $250 and $500.

Cover your pet

Petplan is clearly the better choice for you and your pet.

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Cat with a magnifying glass